Do you dread hearing the phone ring because bill collectors are calling? It’s time to take action against pushy creditors. When you file for bankruptcy, they are forced to stop contacting you. In fact, if they continue to keep contacting you after you file for bankruptcy, you could have a great case for a lawsuit … Read More
You’re facing one of the most feared situations any taxpayer can face: a tax levy. The IRS has far-reaching powers to enforce a tax levy, including seizing your assets and property. If you receive notification of a tax levy, delaying your response can add to the penalties you owe and may cause the IRS … Read More
Will I Ever Get My Car Back If It’s Repossessed? Has your vehicle been repossessed? Before you panic, take a deep breath – and know your rights. The United States is currently experiencing the highest rate of automobile loan defaults this century – and that includes the rate of defaults during the recent financial … Read More
When you’re deeply in debt, you may feel plagued by creditors. While they’re generally allowed to contact you about the debt you owe them, there are firm limits on how they can do it. You are protected by laws that restrict creditors from unfair debt collection practices, like using deceptive language and contacting you relentlessly … Read More
Chapter 20 bankruptcy isn’t actually an official part of the bankruptcy code. It’s more of a bankruptcy strategy you can use to clear your debts. The number twenty in the name comes from the combination of a Chapter 7 and a Chapter 13 bankruptcy. Choosing this approach can cause a positive effect on your financial … Read More
It is estimated that in the United States, about 770,000 people file for bankruptcy every year. Filing for bankruptcy involves completing official government forms and following a specific process. You’ll need to familiarize yourself with federal bankruptcy laws as well as your state’s specific rules, including important exemptions that could protect your property and belongings. … Read More
About 800,000 people file for bankruptcy each year. Only a fraction of them are filing for a second or third time. After completing one bankruptcy successfully, most people are able to get back on their feet and establish a stable financial foundation. However, changing circumstances in your life may prompt you to consider an additional … Read More
Members of the military are expected to maintain financial stability and a certain standard of living. For certain military security clearances, you must have a clear financial history. However, many people enter the military with existing financial issues, or encounter new issues during their time in the service. Good news – bankruptcy affords military personnel … Read More
A Chapter 13 bankruptcy forces creditors to accept what the law says you are required to pay on your debts. At the end of the Chapter 13 plan, you receive a discharge. Also known as a bankruptcy reorganization, a Chapter 13 bankruptcy establishes a plan for alleviating debt in a manner that leaves you in … Read More
When you file for bankruptcy, the process is guided by both state and federal laws. Federal law controls most aspects of the bankruptcy process. However, each state has its own laws about things like property exemption limits (what you can keep in bankruptcy) and income thresholds. Different jurisdictions also have local rules that interplay with … Read More
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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.
